Risk grade updatedRisk gradeEvidence verified
17 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B2.Business profile
PIA SN FINANS Ab
PIA SN FINANS Ab's registered office is Jakobstad. It is a limited company. The company was established on 2021-11-16. It operates in the industry of activities of holding companies. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€791.
Business ID 3247078-7ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 3247078-7
- Sector
- Activities of holding companies
- Municipality
- Jakobstad
- Company form
- Limited company
- Registration date
- 2021-11-16
- Business ID registration date
- 2021-11-09
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Getbrovägen 44 B 10, 68600, Jakobstad
Phone: +358442408936Source observation
Website: https://pias.noSource observation
People and decision-makers
Nyman Pia Ida MariaPuheenjohtaja
Snellman Ulf Lars ErikVarsinainen jäsen
Nyman Conny Lars JacobVarsinainen jäsen
About PIA SN FINANS Ab
Financial position and key figures for the company.
PIA SN FINANS Ab's location municipality is Jakobstad. It is a limited company. The company was established on 2021-11-16. It operates in the industry of activities of holding companies. In its latest retained statement for 2025-12-31, revenue was €0 and operating profit was -€791. The latest retained financial statement for 2025-12-31 shows revenue of €0 and profit for the financial year of €2,343. Based on the latest retained statement, revenue growth was not currently available, operating margin was +0.0%, and equity ratio was +5.8%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
0
0
Enriched source observation
Derived indicators
Operating margin0.0%
Equity ratio5.8%
Revenue€0+€0 vs previous periodPrevious: €0
Operating profit (loss)-€791-€24 (-3.1%) vs previous periodPrevious: -€767
Profit (loss) for the financial year€2,343+€479 (+25.7%) vs previous periodPrevious: €1,864
Assets€258,351+€16,351 (+6.8%) vs previous periodPrevious: €242,000
Balance-sheet contextLatest financial period
Revenue trend5 periods
€0
2021-12-31
€0
2022-12-31
€0
2023-12-31
€0
2024-12-31
€0
2025-12-31
Operating profit (loss) trend5 periods
€0
2021-12-31
-€391
2022-12-31
-€122
2023-12-31
-€767
2024-12-31
-€791
2025-12-31
Profit (loss) for the financial year trend5 periods
€0
2021-12-31
€8,599
2022-12-31
€2,924
2023-12-31
€1,864
2024-12-31
€2,343
2025-12-31
Assets trend5 periods
€206,000
2021-12-31
€217,000
2022-12-31
€228,000
2023-12-31
€242,000
2024-12-31
€258,351
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: Rikastettu lähdehavainto.
Equity ratioWeak
7/100 · Improving
Current ratioWeak
16/100 · Declining
Operating profit marginPassable
50/100 · Stable
Ratio history
| Ratio | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Equity ratio | 0.0 % | 4.1 % | 5.2 % | 5.7 % | 5.8 % |
| Current ratio | 0.00x | 0.05x | 1.38x | 0.68x | 0.48x |
| Operating profit margin | 0.0 % | 0.0 % | 0.0 % | 0.0 % | 0.0 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID3247078-7
EU IDFIFPRO.3247078-7
MunicipalityJakobstad
Current registered entries
2021-11-16Registered in Patent and Registration Office (Trade Register)
2021-11-17Registered in Tax Administration (Tax Administration)
Responsible people
Public role relationships materialized from source observations.
Nyman Pia Ida MariaPuheenjohtajaSources: 3 · Confidence: 78%
Snellman Ulf Lars ErikVarsinainen jäsenSources: 3 · Confidence: 78%
Nyman Conny Lars JacobVarsinainen jäsenSources: 2 · Confidence: 78%
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
B3
MonitorPIA SN FINANS Ab
Grade downgradedB2 → B3 · new analysis 2026-10-18
48/100
High
Strong financial evidenceFinancial data included
Financial development is mostly stable or mixed.
4 comparable periodsRevenueStable
ProfitabilityStable
SolvencyStable
Same industry, size and age groupDescriptive comparison – does not change the model score.
113 peersSolvency18%
Below 82% of peers
Profitability40%
Below 60% of peers
Liquidity56%
Better than 56% of peers
Supporting factors
- Company context reduces the weight of an isolated financial signal
- Active registered status
- Lower industry distress context
Risk factors to note
- Weak current ratio
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
2 assessmentsB3
2026-10-1848/100 · v0.15
B2 → B3 · -9 points- Revenue: Not enough history → Stable
- Profitability: Not enough history → Stable
- Solvency: Not enough history → Stable
B2
2026-09-1757/100 · v0.14
Oldest retained automatic assessment in this comparisonB3
2026-10-18
open-risk-grade-v0.15
The grade can use open digital financial statement data together with registry signals.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry risklow
80/100
Industry context is low based on normalized open statistical inputs.
Age and continuityNuori
35/100
The company has about 4 years of registry continuity.
Registry and status signalsRajallinen
41/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Registry timeline
Trade register notifications shown on a timeline.
6 register eventsLatest event: 2025-05-08
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2025-12-31.
This company profile has not been claimed yet
PIA SN FINANS Ab shows public core facts. A company representative can claim the profile, update public information, and access owner tools.